Going through some old files and stumbled on this scanned document of mine, in actual fact Bank Fodder was helping me this back in 2007 although I do not expect him to remember this the thread still exists. My question is this PPI, if it is can I claim this back going back to 2007 when the loan was paid off?

Hi, can anyone offer me some advice. I've recently discovered a default on my Credit file from 2014, i don't know why I've not seen this before, either blinkers on or I've just not checked thoroughly. Its for £154 from Lloyds, i moved bank accounts a few years ago and in doing so once the overdraft facility had been removed etc there was a negative balance on my account for £154, it was there for a few months and then paid once i had realised, so is settled but the default has been registered. I don't recall receiving a default notice for this at the time, the negative balance was created through overdraft facilities being withdrawn, therefore utilising i assume an unauthorised overdraft, then the account was closed when it was cleared. I contacted Lloyds using the nicely nicely approach asking them to consider removing the default as it was for such a small amount that was causing a negative affect on an otherwise healthy credit file. They wrote back saying why they registered it and no, they wouldn't remove it. having no recollection of ever receiving a default or notification of default i wrote to them, enclosed a £1 postal order for their time etc and they wrote back. They say "We can only remove a default if its been registered due to an error and this isn't the case in this instance. Data forwarded to the credit reference agencies has to be sent in line with the data protection act, principle 4 of the DPA states that personal data shall be accurate and where necessary kept unto date. if inaccurate data about one of our customers is held by the credit reference agencies, we'll be in breach of the DPA. Removing the default we've recorded with regard to your current account debt would mean we are not reporting accurate data. We don't retain copies of default notices, or enforcement notices in the case of overdrafts, and we are not obliged to do so That being said i can confirm that we sent an enforcement notice to you on 18th November 2013. This explained that if you didn't repay the outstanding amount your account would be passed to our consumer debt recovery department and a default recorded on your credit file with the credit reference agencies, to stay in place for six years. Your current account was considered to be in default on 12th feb 2014 when the balance was overdrawn by £154.49 We are not obliged to keep paper records indefinitely and as your account was closed over 2 years ago I'm not not able to supply you with a copy of the application form. However i have enclosed a copy of the final statement we issued on the account and this confirms the amount of £154.49 was outstanding. Yours sincerely......... Can i go anywhere with this, they are claiming that they aren't obliged to keep copies of notices sent to me, their records state they did send it, i say i never received it. The debt was cleared by me and this is shown on the statement they have sent to me with the letter. They claim that the letter they sent me stated (see underlined above) if i didn't repay the outstanding amount my account would be passed to their debt recovery department. They make no mention in the letter that they apparently sent about time scales or when the debt should be repaid by or state how long i had to pay it, only that if the debt wasn't paid. But it was paid. There is no letter to refer to to check as they don't have one, only the comments made above. Could this be my get out clause the fact they make no mention of how long the debt had to be paid ? Or do they have to be able to provide the info i have requested under the CCA ? Im not sure if its covered by the CCA 1974 but in one of their responses they stated that the default will remain there for 6 years in line with the CCA 1974. Appreciate any pointers. Thank you. Is it important to add, the account was closed , it was transferred to a new bank who took care of all the dd transfers, balance etc, so when the Lloyds account was closed i never received any request or demand for payment or agreed with them to set up a repayment plan for the balance that was left outstanding. It only came about as i finally received a request for payment from a company called apex acting on their behalf.

Hello all, Have received claim form for my old student account overdraft- think i have a game plan and would like your advice. Name of the Claimant: Hoist Portfolio Holding 2 LTD Date of issue: 04 JUL 2016 What is the claim for – the reason they have issued the claim? 1.The claim is for the sum of £2300 in respect of monies owing pursuant to an overdraft facility under bank account number The debt was legally assigned by MKDP LLP (Ex Lloyds Banking Group) to the Claimant and notice has been served. 2.The Defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account. 1.The claimant claims the sum of £2300. 2.Interest pursuant to s69 of the County Court Act 1984 at a rate of 8.00 percent from the 12/08/11 to the date herof 1781 is the sum of £1892.92 3. Future interest accruing at the daily rate of £50.00 4. Costs What is the value of the claim? £3500 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Student Account Overdraft When did you enter into the original agreement before or after 2007? 2008 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.? Assigned to Hoist Were you aware the account had been assigned – did you receive a Notice of Assignment? Don't recall getting any notice Did you receive a Default Notice from the original creditor? Don't recall any notice Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Cannot recall Why did you cease payments? Had student overdraft, went over limit of £1500 only due to their charges. Had to withdraw from uni as mother dying and financial issues. Was unable to pay. What was the date of your last payment? 2010 possibly Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No Essentially, I was hoping this would reach stat barred limit. I did the wrong thing and hoped it would go away. I incurred this when in serious financial strife and only went over overdraft limit due to their charges. I have acknowledged service and have drafted a CPR 31.14 request and am looking to mount a put to proof and your charges are unfair defence. I would also be happy entering into a reduced settlement for the actual amount of the overdraft limit, the rest being charges. would need to be installments ideally. Looking for more time and hopefully for them to go away because a) I am defending and b) they may not have the documents or alternatively to do mediation or negotiate a cheaper settlement. I dont recall getting a default notice or notice of assignment to Hoist. Also, who are MKDP - I had an account with Lloyds TSB - did they have a right to sell the alleged debt? I have drafted the below CPR 31.14 request and made a low WOP offer. I would welcome your comments on advice on what to do. Will also post my defence and any response when I get it. Dear Sirs, Re: Hoist Portfolio Holdings 2 Limited v Mr X Y Claim Number: XXXXXX Request for documentation pursuant to CPR 31.14 [removed] - dx

I have a legal document which gives me authority to deal with any and all of my disabled son's financial affairs. Lloyds TSB denied having seen the document but I have proof they knew about it following an unrelated incident some years earlier. Without my knowledge or permisson they mis-sold my son various insurances, let him overdraw his account and lent him THREE loans. The second loan to pay off the first and the third loan to pay off the second. In all, they are charging him a monthly fee for the privilege of having overdraft, charges for unauthorised overdraft, charges for the loans and other fees. He is due them anout £12,500. Due to some of his medical problems, insurance bears a loading of 75% ! (They STILL relished forcing him to take!) After much complaining, the admitted the mis-selling and gave full refund of all the insurances and token compensation. (I got them to give another 50% after further complaints about their incompetence.) HOWEVER, notwithstanding their admission of mis-selling, they refuse to admit the overdrafts and loans were mis-sold! Even more astounding, the Financial Ombudsman is letting them get away with it! No wonder the net is full of allegations about The FO being corrupt ALSO! Any ideas what avenue to go down to force these EVIL people to admit full responsibility? My Member of Parliament is now involved and I intend to advertise these EVIL acts in every forum and elsewhere on the net. I will explore the possibility of contacting the press and television. It is SO blatant and yet they reckon they have got away with it! NO EWAY, EVIL, INCOMPETENT LLOYDS, YOU ARE GOING DOWN!!!!!!!!!!

Can anyone advise me please - if I fall out with Lloyds (which I am likely to do) and I have an overdraft outstanding - will funds in a Halifax Current account be at risk of Lloyds grabbing?

Hi I have been directed to this group by a friend and I hope you can help me because I am worried. I have had a current account with Lloyds for around 25 years and until recently managed the account well with no problems. I recently came into financial difficulties and couldn't manage my overdraft repayments. My overdraft was £3000 and I couldn't even pay the £50 interest and overdraft fee. I contacted Lloyds by phone back in June 2015. I was informed that the account would be frozen and I would receive a letter in due course. I received the letter 26th June informing me that the overdraft would be removed in 60 days, the account would be passed to recoveries and the Credit Reference Agencies would be informed and my account be be marked as in default. I kept receiving statements showing that the account was incurring no interest or charges. I then received 2 letters in October 2015 informing me that I haven't paid anything for some time and I must contact them to or credit the account to avoid charges. I started paying £10 per month. In November 2015 I received a statement with charges included. I made an official complaint. I received a response on 16th November with an apology for "their mistake" for not passing the account to Recoveries and refund of all charges plus £50 as way of an apology. A letter was received a day later dated 17th November 2015 asking for payment but informing me that no charges will be incurred due to the "type of account". I continued to pay £10 per month interest free and heard nothing I received a letter dated informing me that my account had been passed to Collections (not Recoveries) and they can assist if I am struggling. I phoned on 18th February 2016 (I am aware now that phoning is not the best idea). I gave a brief Income/Expenditure breakdown and said that I will pay £10 per month. I was informed that I should do this until I am contacted by Recoveries in March. I heard nothing until today I received a letter dated 1st June 2016 stating "As we haven't been able to agree a suitable repayment plan, we've transferred your LTSB CURRENT ACCOUNT to a debt Collection Agency, Robinson Way. We've instructed Robinson Way to arrange collection of the outstanding amount. Please contact Robinson Way asap". Contact details were included. I am upset and confused. Why did Lloyds seem to pass me to Collections then seemingly back to mainstream bank then again to Collections? Why did they never send my account to "Recoveries" which was stated back in June 2015? Is transferring the account the same has selling the account on? Why did they pass my account to DCA when I had a repayment plan in place, which was deemed acceptable? Why have I still not been defaulted, when they said that I would be back in June 2015? My Credit file entries were showing as ok until December 2015 when a "1" marker was entered followed by a "2" in January 2016 up to a "5" in April 2016. Do I have to contact the DCA or should I wait for them to contact me? Can the DCA add interest/charges? I have no other debt apart from a couple of Credit cards that are almost paid off and not in arrears. I have no bank charges form Lloyds, so nothing to claim on that part. I am a single mother with a job in a School on minimum wage (16 hours per week) term time only, I simply can't afford to pay the balance. I am really worried and would appreciate any help. Thank you Letter dated 15th February 2016 - Acount passed to collections.pdf Letter dated 16th November 2015 following complaint then letter dated 17th November 2015.pdf Letter dated 1st June 2016 transfer of debt to Robinson Way.pdf Letters in October 2015 threatening interest & charges.pdf Initial Letter dated 26th June 2015 following informing of financial difficulties.pdf

My Wife has made a claim for PPI against Lloyds for some loans several years ago. Main points being it was never fully explained to her and was told she needed to take this out for her to be given the loan. She also had a separate critical illness policy, entitled to 6 months full pay and 6 months half pay from her employer, she also is entitled to death in service payment etc. None of these were used of her. She made a claim a few weeks ago and received a letter today saying they are not currently in a position to provide her with a final response in relation to her complaint. The FCA has indicated it will implement additional rules and guidance for firms on how they should access certain categories of complaints where the level of commission on the PPI policy was not disclosed. I understand that your complaint is likely to fall within one of those categories. they are saying they want to wait until this comes out before making a final decision and this should be towards the end of 2016. They say based on the information currently available to them they do not believe your PPI policy was misold. However when the FCA release further guidance they will consider the complaint again. Has anyone else received this from Lloyds or any other lenders?

In early 2000, we moved to Canada from the UK, At the time we owed ~13000 pounds to Lloyds on a credit card. Until around 2013 we struggled to pay the minimum balance, by this time it was transfered to APEX. In May we asked for a CCA and paid the fee. APEX acknowledged the request in writing and informed us they had asked lloyds for the information. The account was placed on hold. We still have not received that information As of today Lloyds have informed us they have sold the debt to 1st Credit. My many questions are as follows 1) Should we ask 1st Credit for the CCA? 2) As the CCA has not been complied with what should we do ? 2) If they are unable to produce it what is likely to happen ? 3) If this drags on for six years what happens then ? 4) Is it worthwhile offering a full and final settlement and what would be a reasonable percentage ? 5) Is this debt enforceable / transferable to Canada 6) Can I ask 1st Credit to contact us only by post 7) What is likely to happen if we ignore this request Thanks in advance

this is about a Vehicle that needs around 3,500 - 4000 Costs in Repairs or a Full refund. its been over 2 Weeks since I sent the required Extra Information to Claims Team that they asked for . Today I received this email. "I have checked with management and your file is still under review and hope to have a decision to you by next week. Should you have any further queries, please do not hesitate to Is contact us." I Received this email about 6 Days ago "I am sorry to learn of the difficulties that you are experiencing with this merchant. Section 75 of the Consumer Credit Act 1974 covers purchases made using the card costing between £100 and £30,000, where a misrepresentation or breach of contract has been proven. Please be assured that a complete review of your claim is in progress and I will update you as soon as possible. " I was told on the Phone 7 - 10 Days it has been over that. Really not happy about the amount of time they are taking. Is there anything further I should do at this stage ? Its causing a lot of issues in the House and costing us money. I am planning on going Small Claims Route if I need to. as I am pretty sure it is clear cut case It has been just over 4 weeks since Lloyds where made aware of the Issue. .

Hi, My business partner and I are going to be registering our company very soon. I know that somewhere into the process, we're going to need to open a business bank account and designate that as our main account for the business. About 3 years ago, I opened a business account and had a business loan that was connected with that account when I opened it (by Lloyds TSB). This company was as a sole trader and wasn't a registered company. I had some payment issues and the business account was eventually closed, as I'd missed some loan repayments/late payments, etc. Ultimately, the loan was sold on by Lloyds and I've been paying it back ever since. I didn't go bankrupt or anything like that, and the loan wasn't a large sum of money. But I lost the business bank account in the process. I've been paying off the loan ever since through a debt consolidation company and all is fine in that regard. I was wondering if I'm likely to experience issues when opening a business bank account now? I'd use a different bank and I wouldn't be looking to get a loan or anything like that. It would purely be myself and my business partner using it as our official business bank account. Any help on this would be much appreciated,

Name of the Claimant ? Lowells Date of issue – . 06.05.16 Date to submit defence = 4pm Tuesday 7th june What is the claim for – 1) The Defendant entered into a consumer credit Act 1974 regulated agreement with Lloyds under account reference XXXXXXXXXXXXXX ('the Agreement'). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The agreement was later assigned to the Claimant on 26/08/2014 and notice given to the Defendant. Despite repeated requests for payment, the sum of £1,600.00 remains due and outstanding. And the Claimant claims a) The said sum of £1,600.00 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.326, but limited to one year, being £130.00) c) Costs What is the value of the claim? £1,900 (including court fees) Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Current account (overdraft) When did you enter into the original agreement before or after 2007? Before 2007 (2003) Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.lowells Were you aware the account had been assigned – did you receive a Notice of Assignment? I do not recall receiving any notification Did you receive a Default Notice from the original creditor? I do not recall receiving a default notice Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I do not recall receiving anything like this Why did you cease payments? As I had incurred excessive charges on the account and after my claim for the charges back was rejected due to the banks winning in the high courts I felt that I would never pay off the debt as when I was making monthly payments it did not seem to be decreasing. I felt they owed me money so stopped paying or responding to them. I believe I stopped in 2009 as that is when I sent my claim for the charges and they responded once they had won the case. What was the date of your last payment? I cannot recall but again I do not believe I made any payments after 2009 Was there a dispute with the original creditor that remains unresolved? As I above, I felt it was unresolved but they said it had been resolved in through the above mentioned case. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, they agreed on a monthly amount I could pay = £30 and £50 per month Help needed please... How should I proceed with this? I wish to defend all of the claim. Thanks To add, the account was opened in 2003 and I believe it could be statute barred as I do not recall making any payments in the last 6 years or acknowledging the debt in that time.

Name of the Claimant ? CABOT FINANCIAL (UK) lTD Date of issue – 03 MARCH 2016 What is the claim for – 1.The claimant claims payment of the overdue balance due from the defendant(s) under a contract between the defendant(s) and Lloyds bank dated on or about Apr 24 2008 and assigned to the claimant on Jun 27 2014 Particulars a/c no *************** Date 04/02/2016 Item Default balance value 7458.73 Post Refrl Cr NIL Total 7458.73 What is the value of the claim? £7969 inc Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Bank Loan When did you enter into the original agreement before or after 2007? Original, not sure? My wife took out a top up loan and Im guessing this is the date on the claim, 24/04/2008 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Cabot Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, Did you receive a Default Notice from the original creditor? Most likely Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Most likely Why did you cease payments? Could no longer afford them What was the date of your last payment? Cannot remember to be honest Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, we agreed after a bit of a struggle to reduced payments Had a claim form come through with regard to an old unsecured loan that my wife took out with Lloyds TSB some years back. They have obviously flogged it to Cabot to try and reclaim the money from my wife. She defaulted on it some years back when my business went belly up and although for a while we were making token payments we could soon no longer afford them and fell out with the lender. It was about this time that Lloyds ditched TSB and they went their separate. For some reason or another all correspondence stopped and it went cold and it stayed this way for a few years until Cabot came sniffing around a while back. I should point out here that at no point did we reply/contact Cabot in any form. I have checked my wifes file on Noddle and cannot see anything listed for this loan, in fact the only thing I can see is her current account which is in good order. the info required, I am now going to send a CCA request to Cabot and a CPR31.14 to Restons. As it now stands I have acknowledged the claim on MCOL and ticked Defend All. I know I have lost some time already but without going into details we have had a sad loss at home over the last week. Many thanks in advance for any help.

Hi members, I have recently received a final response from Lloyds about a huge number of charges applied to my graduate account which ultimately lead to it being defaulted and closed. Basically in 2012-13 after I graduated, I fell in to quite severe financial difficulty and became reliant on credit to get by. My graduate overdraft of £2000 was usually maxed and I started using payday loans even after I lost my job (I know, different story). I requested all my statements from Lloyds to see how much they had charged me in fees and interest etc before I was defaulted. The total came to over £700 in the 12-18 months of difficulty and this sum is mostly made up of unauthorised overdraft fees and interest on top of them. In Lloyds response they simply say the charges were 'applied correctly' and invite me to call their recoveries department to arrange repayment. Even though I'm still unemployed, I told them I'd be happy to begin a payment plan if they removed these charges, but they're having none of it. I want to take this to the FOS but I've had such mixed experiences with them in the past (loads of complaints re payday loans), and I don't know the best way to go about it. Is it possible to still reclaim charges such as these or will the FOS rubber stamp Lloyds response? It seems ridiculous that over 40% of my debt to them is made up of overdraft charges on what was supposed to be an interest free graduate account! If anyone has any suggestions of how to approach the FOS with this or any success stories, please let me know! Thanks

I had a loan from Lloyds in 2000 and have recently made a PPI request they have messaged me to say they will be contacting me via telephone today to discuss this. I am unsure exactly of what my payment amounts were do I have to tell them this or do I just SAR the bank for anything they may have regarding the loan. The loan was for 5k over 3 years but I am unsure of the interest rate

Hope this forum is still active and I can get some answers Im not getting any kind of help from LLOYDS OFF SHORE except run a round on the phone which is becoming tiresome... .in the nutshell Im old LLOYDS customer with about 24 years . .last 16 years off shore bank account also.. Im not UK citizen nor do I pay UK taxes.. .I just happene to open LLOYDS account while I was brifly living in UK and later just continue to use it .. .till recently I did not have much of a problem with LLOYDS OFF SHORE on ISLE OF MAN because I did not really touch those funds there ..I did not need to. .I was mostly working and funds kept on off shore account where just sitting idle . .till this december when I decided to move all the money to INSENTIVE MONEY SAVERS ACCOUNT . ..about month after that action I received mail from manager of the branch I guess asking me where are all those funds came from. .I replayed that he can check my account history and that all will be there ..money came from OFF SHORE MONEY MARKET CALL ACCOUNT a,d that I simply shifted funds around off shore and on shore accounts searching for best interest rate. ..second question he had for me was bit strange ..well it appears that at one point whili wisiting UK last december I put cash money on my off shore international account . .not much maybe 640 pounds all in all but he asked me about the receipt and proof from where that money came from. ..I told this the truth that I dont remember anymore and that I did not keep the slip nor bank statement ...all in alll I thought that he understood the situation and that s the end of the matter but .. a=one month later I decided to pay some insurance premiums back in my country I made a transfer back from SAVERS ACCOUNT to INTERNATIONAL PREMIER account si can write cheques to mu insurance company. ...I wrote one check no problem and then I wrote 3 more on smaller amount -in my country I can not deposit large cheques on bank accounts I had to break the amount on 3 smaller cheques ...well one of those actions triggered my accounts to be blocked /suspended and placed under investigation .. .now same manager is asking again about those 640 pounds bill and source of money and also he is asking in advance to see my insurance policy before I even paid for it . ..really strange and I should say bordering on harassment . ..does anybody here on this forum has any idea what happened to me , my accounts and where the problem is. .oh just for the general info my account is rather modest 5 figure amount nothing fancy its just at the moment all my money . .all my saving since I wasnt really working last few years due to illness

Lloyds customers are losing their free, interest-paying current accounts and told to sign up for one at £60 a year. Loyal Vantage current account holders will no longer receive interest of up to 1.49 per cent from May 3. If they want to earn interest they must opt for the Club Lloyds account, which pays up to 3.93 per cent on balances of up to £5,000. It also offers access to a savings account paying the same and a 0.2 percentage point reduction on Lloyds mortgages, plus perks such as free cinema tickets. But customers will be hit with a £5 monthly bill unless they pay in £1,500 a month. Read more: http://www.thisismoney.co.uk/money/markets/article-3549204/Lloyds-snubs-loyal-customers-taking-away-free-paying-current-accounts-tells-sign-one-60-year.html#ixzz46pxXHH99

Hi Guys Long winded but will cut it down best I can, will start with the numbers loan 1 July 98 for £3000 PPI single policy of £443 added to loan (paid 46/60 payments) £144 of ppi refinanced by loan 3 loan 2 Dec 98 for £1400 PPI single policy of £198 added to loan (paid 39/48 payments) £50 of ppi refinanced by loan 3 loan 3 April 02 for £5000 PPI single policy of £1174 added to loan (paid 13/60 payments) £980 of ppi refinanced by loan 4 loan 4 may 03 for £7500 PPI single policy of £1762 added to loan (paid 11/60 payments) £1500 of ppi refinanced by loan 5 loan 5 may 03 for £11000 PPI single policy of £2383 added to loan (paid 12/60 payments) £2032 of ppi refinanced by loan 6 loan 6 may 08 for £10000 PPI NO PPI added to loan still paying Now we had a decision letter from Lloyd's stating they upheld all of the complaints offering refund of the ppi part of the loan that was paid in installments plus interest, which worked out about £7,700 according to their workings out, I had it in my head from working it out that it should have been nearer 10k but at first glance of their workings it looked OK but I still couldn't get it out of my head that something was wrong. It then clicked that they had calculated all their figures ONLY on the installments made and had completely ignored the bits that were left on refinancing which by itself without adding interest is about £4700, this amount is still being paid off on loan 6. I phoned them as the offer letter tells me to do and explained why I felt it was wrong, the guy said that I am not entitled to that bit back as the loan was refinanced, I argued and tried to speak to a manager but was brickwalled, he insisted I was wrong and that the payment of £7700 was going to be sent, I told him at this point that I DO NOT ACCEPT the offer, and under no circumstances are they to consider the matter closed, I even got him to repeat it back to me several time, as they supposedly record the calls. what I would like to know is am I wrong, am I not able to reclaim the bits that were refinanced by the new loans, or are Lloyd's trying it on Many Thanks

Hello, this morning received a Claim Form from Bryan Carter. Claimant: Lowell Portfolio Limited Date of issue – 15/5/2015 What is the claim for – The Claimants claim is for the sum of 2253, being monies due from the Defendant to the Claimant under an Agreement regulated by the Consumer Credit Act 1974 between the Defendant and Lloyds under account reference xxxxxxx and assigned to the Claimant on 30/6/2014, notice of which has been given to the Defendant. The Defendant failed to maintain contractual repayment under the terms of the agreement and a Default Notice has been served which has not been complied with. And the Claimant claims £2253 The Claimant also claims statutory interest pursuant to S.69 of the County Act 1984 at a rate of 8% per annum from the date of assignment of the Agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 157. What is the value of the claim? £2595 The claim is for a current account/overdraft I entered into the original agreement in 1989. It is the Debt purchaser who has issued the claim. I did not receive a Notice of Assignment. Did you receive a Default Notice from the original creditor? Not sure. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year? No. Why did you cease payments? Had to stop work to care for my wife who was seriously ill. What was the date of your last payment? May 2011 There was no dispute with the original creditor. Did you communicate any financial problems to the original creditor? Yes I explained my situation to Lloyds (where I had banked for over 20 years) and they said they would not pursue. I have printed off a CPR31.14 request to both Lowell and Bryan Carter. I used the template for current accounts. I haven’t posted these yet. I haven’t Acknowledged Service yet either. Will wait for advice on here before I proceed further. My wife became very ill in 2011 and I had to stop work to care for her. I ended up in a lot of debt and the defaults on my credit file amount to about £18k. None are from the original creditors. My wife had lifesaving surgery last year and is now finally on the mend. I’m hoping to get back to work soon (been living on carer’s allowance and her DLA) but I’m worried that all the creditors are now going to jump out of the woodwork and we will be going back to work with huge debts hanging over us. We are both pushing 60 and don’t want our pensions (in 7 years time) to be eaten up by these debts. Thanks in advance to anyone who can help. Thanks x

Hello All Firstly thank for help in my other posts. Just to make things worst came back home and found claim form from bryan carter regarding lowell related to Lloyds. quick info: name of the claimant: lowell portfolio i ltd date of issue: 9th october 2015 particulars of claim: "the claimants claim is for the sum of xxx, being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and Lloyds under account reference xxxxxxxxxxxxxx and assigned to the claimant on xxxxxxxxxxx notice of which has been given to the defendant. the defendant failed to maintain contractual repayment under the terms of the agreement and default notice has been served which has not been complied with. and the claimant claims xxxxx the claimant also claims statutory interest persuant to s.69 of the country act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to maximum of one year a maximum of..." value of the claim : 1300 - current account/overdraft i did not received notice of assignment, notice of default sums, anything except demand of payment from time to time from different dca. before i came back home i posted letter to bryan carted with information that debt is staturatory barred under limitation act 1980. i checked my files and last payment was made back in 2009 and payment demand from Lloyds was also in 2009 besides if oryginal entry regarding this account vanished from credit report it must be over 6 years am i correct? well cant check it atm because Lloyds account just vanished from my credit score and i got some document at work so will confirm that. what i should do next? acknowledge and fill out defence based on SB or proceed with defend in full like other people ? im bit confused...? thanks for help guys lowell claiming that account was defaulted in 2010.

Wrote a letter of complaint to Lloyds Bank on the 4th February 2016, letter was headed “Formal Complaint” and was sent to Gresham Street. I did not send by recorded delivery but did obtain proof of posting, I have had no response whatever. What should be my next step. Many thanks

Hi sent a cca requestson 2nd and 15th of October. Cheque cashed. sent non-compliance of cca letter 15th December and today received a letter from BLS saying we owe them over 6k! 1) they are wholly wrong about the amount 2) they have ignored ALL letters what now?

Hi, Lloyds refused to refund my PPI on one loan because the loan started in 1999 and was over 6yrs ago, I argued the fact that it did not expire until 2004 less than 6yrs ago but they say they have no paperwork on it, Although I have original loan agreement, Shall i send them a copy and try again or give up because it started 1999

Can someone please shed some light on this? I've previously lodged an incidental application to have this case sisted, but was instructed to file a defence. A date for proof was set, but now it seems that the pursuer are trying to discredit me (again, and moreso), but still fail to present any evidence to support their claim. I took delivery of this summons tonight, and the hearing on incidental application is tomorrow at 10am. Is there even any point in attending?

Hi, I have received a final response letter from Lloyds in regards to claiming back packaged bank account fees. Lloyds are saying that because I applied online and there was no physical person to give advise then the onus was on me for checking the box to the t&c's. Admittedly, I did not read these however the reason I upgraded my account was because I thought travel insurance was included which apparently never has been on the Select Account. My question is, do I accept this response ? Many Thanks

while I have been away from my home - Restons have instigated a claimform on me for a C/C which I stopped paying over a year ago. It went from Lloyds ( at the time was paying £ per mnth), to Lowell- who didn`t have it for very long. One step later & Cabot had it. They didn't have any payment - so they have moved it to a Claimform- with Restons. Now my question is- at what percentage are these DCA`s buying this debt for - does anyone have any idea? With that knowledge- I could then make a realistic offer- to get rid of the impending CCJ. I see you have 14 days + 5 service days for a defence. If this is not filed, do you then have the full calendar month from the date of service to settle the judgment (with an offer to the solicitors) without it impairing your credit file? All input would be fully appreciated